bepgof

If money not enough, do those "heavy" reno first - flooring, tiolet, kitchen, window...

Here is the answer: 太上曰：祸福无门。惟人自召。Agree ?

SGX's definition on SOR: The SOR represents the effective cost of borrowing SGD synthetically through borrowing USD for 3 months and swap out the USD in return for SGD for the same maturity. In simple terms, SOR is the projected interest rate it costs to you if you borrowed the same amount of money in USD instead. Look at past 3 wks' trend, USD rate is on the rise from 1.206 to now 1.300. Many funds are used to chased after USD, like ppls chase after gold.... If you want SOR rate down, pray that USD exchange rate down first. Some pray it up, some pray it down. If you were God, who would you like to listen to and why? Read this: http://www.yenkai.net/content/sor-home-loan-rate-how-it-works and http://smp-consulting.com.sg/smpc/?option=com_content&view=article&id=62

Let me speak my mind: don't be "pantan" abt the stove and sink position. The wuxing is not to be interpreted in this way. Since married, present one is my third home. All along the sink & stove have been sitting next to each other or in a L-shaped. It is pretty convenient, Esp with amber kitchen top area. If fire were not to meet water, or water not to meet fire, then, showering area shouldn't have water heater installed or those electrical wires should not be in the tiolet in the first place! We need fire to boil water, right? And we need water to put off fire right? So what is the real problem?? Stomach too full, feel bored, looking for something to do?

Care to share what are the 5 unauthorised mod which take so long to be rectified?

Ya, now normal liao, last night got this ad screen "superimposed" onto the user name, no way to access to log off. You can try tonight.

Study table stays as far as possible away from TV set. Table near window to "borrow" natural light and wind. Sit face door if possible, 30-60 deg also can, so no surprise passer by to tap on her shoulder suddenly. Remeber the old saying "reap what you sow" = hardwork pays.

How to log off with this stupid rectangular ad blocking the "log off" field??? Any tip?

Hand itchy, coincidently we are now in end September. Just to post something about the March and September "Equinoxs",(look at image 56,http://www.renotalk.com/forum/index.php?showtopic=43868&view=findpost&p=669114) during which the "Aurora Borealis"(Northern lights, 北极光) or "aurora australis"(Southern lights, 南极光)could then only be observed near closed to earths' North & South poles. In March Equinoxs, N hemispere is entering into "Spring" while S hemispere is going into "Autumn". In September Euinoxs, just the opposite. During these 2 timings, the magnetic flux at magnetic poles at both end of the earth are very unstable, use to break Oxygen(red) and nitrogen(green) into lights. http://en.wikipedia.org/wiki/Aurora_(astronomy) One thing to bear in mind, the term "energy" used in FS, is different from "energy" used in scientific, eg, F=ma, Watt=Voltage x Ampere, etc etc.

Don't know what took her so long to grade our "tries". Anyone wants to try to win her "best try" award?

Funny leh, this forum seems much quiet recently. Markets quiet, forum also quiet???. A bit boring, same question has been asked again & again, thought I could be quite long-winded at time, hope this is my last response to such question: 1. You can start reno before 2nd app, provided the seller has moved out AND most importantly, both seller & buyer jointly sign the idemnity form. 2. Reno application to HDB usually take abt 1 wk for approval.

Write so long and bit of jargon, read till bottom forget the top liao. Let me "cut" it short and make easy to understand: - This is what management calls " Restrainning forces Vs Driving forces" within a human being. -FS environmental settings basically "generates" these 2 forces within one, depending on HOW one reacts to it. -Restrainning = holding back one from doing something. Driving= "drive" & motivate one to do certain thing. All these have to do with one's "heart" & "mind". Don't say I never give any tips.

Compass (or Luopan) is not accurate due to magnetic north's constant drifting. Gyrometer is too expensive to own one. Best is to observe the sun movement (actually it is earth that moves), it is foc! Today is 23 September 2011(sept equinox), at 0904hr singapore time. Sun is exactly perpendicular to earth's N-S axis. Meaning at this hr, one can observe the "true East" where Sun is! Insert a long enough stick on floor, trace its shadow at this hr, cut it into NESW. Ok? http://en.wikipedia.org/wiki/Qiufen http://img560.imageshack.us/img560/4872/24jieqi2011.jpg

1. A toufu seller. Dreams of thousand within a night yet selling toufou tmr. Dream dream dream, no plan, no action. Tmr yet to be continued. 2. A real misery man. Anyhow "take & took", but don't how to let go.拿得起放不下。Take take take, let no go. Always living in ytd. Like chicken rib -食之无味 弃之可惜? 3. An actor. 自欺欺人。Deceive oneself yet deceive others. Deceive, deceive deceive = act, act, act. 4. A monk. See through liao. 空，空，空。All is 空。 All men are like that: Dare to dream Like to take Love to deceive And all finish liao. All originated from "thoughts", follow by "actions", tio bo? Women spare none.

I would suggest forumers to read and study the chinese star constellation first (chines's calender is part of it) before touching on those FS theories, simply all these theories and divination methods are based upon "the stars over the northern hemisphere". Again, simply the chinese believe the movement of stars reveal the "will of God". May start from the "3 great walls and 28 shou", follow by the "4 symbols" then the 24 jieqi. Try to understand how the chinese calender is based upon the solar and the lunar cycles. This is a true knowledge not superstition.

Living in city country like singapore, it is a true fact that one can "see" "sky crack sha" everywhere, question is whether far or near. These "shas" make ppls feel uneasy from within. That was why I choose to stay high(to see water and mountains) and with open field at surrounding yet with amber amenities around for convenience. Land formation comes first. The good "qi" or "chi" is too difficult to be understood. Just follow your "heart". "Bad qi" which makes ppl to feel uneasy is called "sha". Remember: anything that grows from "heart" has to settle the "heart" first. Can completely forget abt Zhiang Da Hong's theory on Xuan Kong Fei Xing and the stupid 9 grids.

"close" yr 2 eyes will see no sha qi. See non, think non, sense non and feel non. The more you agitate "it", it'll agitate you more. The key to harmony: feel ease, relax and be alert like little mice.

After reading yr story(assume as true and as straight as it is), I become wordless. Why woman loves to make man cries? Why breaks the VOW once made in public, or in front of GOD. What's the meaning of the "ring" to both of u? Find chance to ask her and find out her intrinsic answers for these 2, so you can "let go" & "rest in peace". A VOW is a covenant(not agreement)between 2 parties with witnesses presence which is supposed to be holy and unconditional. Still remember the content of the VOW? Unconditional = she wants sky, give her sky. She wants moon, give her moon. A ring is round - has no beginning and no ending, symbolising the LOVE between the 2. She doesn't seem treasure what she's having - you've responsibility to wake her up! To lead her but not to dump her one side. I must admit, woman's heart is the most difficult to understand by men, tot husband and wife is "flesh within flesh". Tell you a true story, I've been married for 18yrs, 1 boy now 16 and 1 girl now 14, went through 1 pre-marriage conunselling course, and 2 post marriage course thus far. My wife is 5 yo lesser than me, her only younger sister who is 10yo lesser than her, also kena divorce (drag ~ 2 yrs)with a PSLE girl this yr. I've strongly opposed to their marriage some 12 yrs ago, but i'm just a BIL. Before she get married, she was staying with me & MIL. MIL still staying with me. I know her since she was 6 yo. This SIL and her daughter (my niece)frequented my place often. Niece stays overnight here on sat & sun.... Do you like crying? Let your heart cry out loud! Remember to find out her "weight" on the 2 questions. Let your love to her remains forever - unconditional, the most beautiful thing in the world.

SS is not "stain-proof", it is only "corrosion-resistance". Sinks to get rusted is not uncommon. There are many grades in SS. Forget abt those looked "shinning shinning" surface with no "grain". Those looked a bit non-reflective, dull with "grain" surface are really tokong and expensive. Compare bolts made of A200, A300 and A400, u will know what I'm talking about. The fare gates at mrt stns where where u tap you E-Z link card, the cabinet is made of SS316 grade, need diamond-head drill bit to drill hole, highspeed steel drill bit tip get blunted on SS316. I have tried drilled holes on these cabinets some 22 yrs ago. SS316 needs "sheila shine" to bring out its shine. Read below to understand more. http://en.wikipedia.org/wiki/Stainless_steel http://en.wikipedia.org/wiki/SAE_steel_grades http://www.sheilashineinc.com/

What I'm trying to say is with too easy and "too much" sympathy in the beginning without paying efforts to realising the truth of whole story, always and eventually landed felt being cheated, understand? Superficial, decorating words, lips service are "simple and easy" as they are "free of charge", need not to be "earned", but it reveals a person's character. Here flooded a lot with such. True sympathy takes time to "listen" (by heart hor, not by ear), to feel, to understand, to get involved, to help, to sacrify......thus it has to be "earned". Sympathy is part of emotional development within mankind.

I doubt yr grandma can understand unless she is a reborn christian. It comes from Matthew chapter 15. = Jerusalem Pharisees and scribes were questioning why disciples of christ took food with unwashed hands, here He answered: 1. Not that which goes into the mouth makes a man unclean, but that which comes out of the mouth. 2. These people give me(God) honour with their lips, but their heart is far from me(God).But their worship is to no purpose, while they give as their teaching the rules of men. 3. Let them be: they are blind guides. And if a blind man is guiding a blind man, the two will go falling into a hole together. 4. Do you not see that whatever goes into the mouth goes on into the stomach, and is sent out as waste? But the things which come out of the mouth come from the heart; and they make a man unclean. 5. For out of the heart come evil thoughts, the taking of life, broken faith between the married, unclean desires of the flesh, taking of property, false witness, bitter words:These are the things which make a man unclean; but to take food with unwashed hands does not make a man unclean. Conclusion: Outlook cleanliness is of no significance, it is the "heart", the "thoughts" that come out from men that matter. Got it?

Tokong. F/H, 3 blocks, each 24 storey, D04, 283 units, top 2015 Oct. Expected price range psf $1200 to $1600. < 500m to mrt stn. Everyday "eat" seawind. Behind mountain (black tortise/snake), sea view front (Vermillion Bird), good fs. Chiong Ah. http://www.skyline-residences.sg/details.html

"head-on" choice is always painful to both, be prepared. Once decided, no u-turn, no regrets. Congratulation in advance. To all dearest forumers, sympathy needs to be earned which takes patience, time, and desires to understand. Don't "anyhow" let sympathy overflows.

Finally one responses, means you know what are sorrows. Sorrow soul makes bones dry. Smile at the rose that pricked you is an art, take time to learn, books cannot teach. Once learnt, is a source of strength. Thank you.

"shares" is a layman term, refers to "common stock", or "preference stock". Those traded in the SGX are mostly "common stock". Preference stock holder has first priority in receiving company's assets if there is a winding up, as compared to common stock holders. Preference shares usually has higher dividend and has lesser volumn circulated in the mkt...... In financial mkt, equities is a "general term". Can refer to shares, deviatives, FX, unit trust, FD, saving acct, bond... anything that deal with $$$ and title, in the financial mkt. In accounting, it is defined as (assets-liabilities), very much simple & straight forward. Many yrs ago (~1991), in singapore, all shares' scripts(certificates) were transformed into "scriptless". During those time, when one buy shares, the certificate can be either be kept by broker/trustees or physical delivery to buyer, remember there certificate got serial no. When sell, the correct certificate must be presented, it is very headace for brokers. Only those "long term" investors would want physical possession of the scripts. Gov realised this and created a CDP company under SGX, so all tansaction become "scripless" = all buy/sell records go to CDP. So to trade share, one MUST have an individual CDP account. Just approach any trading house broker.... If want to tradw share in different currencies, best to have accounts in respective currencies...